Call reports 2007
KEYSTONE STATE SAVINGS BANK — 2007
What KEYSTONE STATE SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 25,881,000 | 25,311,000 | 24,932,000 | 26,049,000 |
| Total loans | 3,284,000 | 2,732,000 | 3,153,000 | 3,098,000 |
| Allowance for loan losses | 47,000 | 47,000 | 47,000 | 47,000 |
| Securities available for sale | 252,000 | 207,000 | 172,000 | 172,000 |
| Securities held to maturity | 11,316,000 | 11,575,000 | 12,864,000 | 11,846,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,017,000 | 21,434,000 | 20,997,000 | 22,134,000 |
| Interest-bearing deposits | 21,259,000 | 20,673,000 | 20,302,000 | 21,411,000 |
| Noninterest-bearing deposits | 758,000 | 761,000 | 695,000 | 723,000 |
| Equity capital | 3,818,000 | 3,828,000 | 3,843,000 | 3,848,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 339,000 | 674,000 | 1,005,000 | 1,342,000 |
| Interest expense | 174,000 | 353,000 | 529,000 | 716,000 |
| Net interest income | 165,000 | 321,000 | 476,000 | 626,000 |
| Noninterest income | 4,000 | 10,000 | 14,000 | 19,000 |
| Noninterest expense | 144,000 | 286,000 | 423,000 | 570,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 25,000 | 45,000 | 67,000 | 75,000 |
| Income tax | 11,000 | 19,000 | 26,000 | 29,000 |
| Net income | 14,000 | 26,000 | 41,000 | 46,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,818,000 | 3,823,000 | 3,838,000 | 3,842,000 |
| Total capital | 3,865,000 | 3,870,000 | 3,885,000 | 3,889,000 |
| Risk-weighted assets | 5,713,000 | 5,533,000 | 5,533,000 | 5,759,000 |